Naresh Matthi

• Developed high-performing team members through effective coaching, mentoring, and performance evaluations.
• Expanded market reach by identifying and pursuing new business opportunities.
• Set and monitored annual budgets for departments and entire business.
• Drove organizational change by leading the implementation of new technologies and systems for improved productivity.
• Oversee branch operations and implement fraud prevention training
• Ensure Collection efficiency & PAR control
• Coordinate with Credit, Operations and Collection teams
• Identify and enhance market penetration and customer acquisition

• Headed a 14 Credit & 1 Data Analytical Managers team for risk management, client portfolio, and embedded new avenues.

• Partnered with the Recoveries & Analytical Team to generate business insights to develop the credit appraisal.

process and policies.

• Co-partnered with the business team to achieve targets and ensure approval of disbursement within the stipulated schedule.

• Monitored minutely and controlled performance of the loan portfolio, especially high-risk loans.

• Designed and implemented appropriate lending strategies and introduced new products to the market by analyzing customer's requirements through various customer development programs and policies.

• Provided ongoing coaching & development programs for credit specialist teams to enhance employee capability & engagement.

• Actively involved with the Sales Director to create innovative and affluent sales strategies to leverage in the market.

• Gauged product market data reviewed competitors' products and suggested necessary changes to be implemented.

• Accountable for providing source data for product line communication by defining product-market communication objectives.

• Identified & recommended the scope of present and future product prospects by reviewing the ongoing market trend.

• Improved technical knowledge by self-educating through periodic workshops, professional publications & networking portals.

• Managed operational performance to drive growth and expansion by monitoring a team of 300 plus people spread across 6 states and ensured the process is adhered to as per RBI guidelines.

• Build quality asset book in Microfinance and Microenterprise Loans

• Responsible for crafting and executing the team's budget, business plans and strategies to meet the desired goals.

• Efficiently handled the company's credit and risk control policy in adherence to operational norms.

• Kick started new projects and implemented cost-effective marketing strategies with periodic training sessions in consultation with HR, Finance & Treasury Departments to ensure smooth Operations.

• Act as main Quality Controller in client's selection, product process and pricing, quality management portfolio

and all other operational aspects.

• Managed a healthy MFI portfolio and was held accountable for over 300 branch operations across Eastern, Central & Northern India (West Bengal, Odisha, Bihar, Jharkhand, Chhattisgarh, Uttar Pradesh, Maharashtra, Gujarat, Rajasthan & Haryana) with a team of Frontline Sales, Branch, Area, Divisional and Zonal Managers, did some special projects Karnataka, AP & Telangana (Recoveries)

• Forecast the risk involved in the new and existing processes by analyzing the market trends and taking corrective measures.

• Directed the team to overcome the challenges of achieving the targeted goals by adhering to the standards.

• Conducted periodic surprise checks & audits at Branches & trained the team to ensure the required norms are maintained.

Implemented methods to reduce NPA's by Risk Assessing & Reporting and introduced new projects

• Responsible for Wealth Products division business with a team of Area Managers, Branch Heads and Relationship Managers.

• Augmented Customer Risk Profiling and developing Financial Plans for Affluent Customers across Retail & Corporate clients.

• Closed High Net Wealth cases by creating value and assisting the Sales Team on closures and documentation.

• Enabling team with Business Proposals, Client Sales pitch along with customized presentation & recommendations for clients

• Organized Wealth Management events at Branches by creating awareness through various products & services.